Citigold®Stay Gold℠Service Mark

Dedicated Support: Working Together For Your Success

With Citigold, you have a Citigold Relationship Manager and a Citi Personal Wealth Management Financial Advisor collaborating to provide you with integrated, personalized financial guidance.Go to footnote 1,Go to footnote 2

As your personal point of contact for your banking needs, your Citigold Relationship Manager provides guidance on how you can make the most of all Citi has to offerGo to footnote 1

Working together, they act as a full-service team to help manage your day-to-day needs, as well as your goals for tomorrow

Both your Citigold Relationship Manager and Citi Personal Wealth Management Financial Advisor receive training from The Citi/Wharton Global Wealth Institute, a first-of-its-kindfirst of its kind training program for Citigold professionals

Introducing The Citigold Concierge:Go to footnote 12 an exclusive new personal service for Citigold clients. Learn more about how your Citigold Concierge can connect you with 24/7 access to a host of amazing services.

Your Citigold team can help meet your needs today and as they change over time

World-class Investment Capabilities

Whether you're following a plan or have questions about managing your finances, your Citigold relationship provides you with access to a sweeping breadth of financial resources to help, including the world-class investment capabilities of Citi Personal Wealth Management.Go to footnote 1

More Than Banking: Your Relationship Has Benefits

Your Citigold relationship can help you do much more than manage your money. From exclusive experiences to travel advantages and relationship pricing, Citigold benefits offer enriching extras for your lifestyle.

24/7 Support. Anytime, Anywhere.

INVESTMENT AND INSURANCE PRODUCTS: NOT INSURED BY THE FDIC • NOT INSURED BY THE FEDERAL GOVERNMENT OR ANY OTHER FEDERAL GOVERNMENT AGENCY, BY THE BANK, OR BY ANY AFFILIATE OF THE BANK • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, THE BANK OR AN AFFILIATE OF THE BANK • SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL INVESTED

This Communication is prepared by Citi Private Bank (CPB), a business of Citigroup, Inc., which provides its clients access to a broad array of products and services available throughout Citigroup, its bank and non-bank affiliates worldwide (collectively, Citi). Not all products and services are provided by all affiliates or are available at all locations. CPB personnel are not research analysts, and the information in this Communication is not intended to constitute research, as that term is defined by applicable regulations.
to footnote reference 1

Terms, conditions and fees for accounts, products, programs and services are subject to change.

As a client, you can receive banking and lending services, including The Account Package, from Citibank, N.A. ("Citibank"), Member FDIC and Equal Housing Lender NMLS#4129154 1 2 9 1 5, along with financial planning and investment products as a client of Citi Personal Wealth Management, a business of Citigroup Inc., that offers investment guidance, products, and services through Citigroup Global Markets Inc. ("CGMI"), member SIPC. Citigroup Life Agency LLC ("CLA") offers insurance products. In California, CLA does business as Citigroup Life Insurance Agency, LLC (license number 0G567460 G 5 6 7 4 6). Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc. Citigold Relationship Managers are employees of Citibank and are employees and registered representatives of CGMI. Citibank, CGMI, and CLA are affiliated companies under the common control of Citigroup Inc.to text reference of footnote 1

Requires a checking account in The Citigold Account Package. There is no monthly service fee for accounts in The Citigold Account Package. If you do not maintain a minimum combined average monthly balance of $200,000 in eligible linked deposit, retirement and investment accounts, your Citigold Account Package will be converted to The Citi Priority Account Package and your accounts will be subject to the terms and conditions then in effect for that package. We will contact you prior to account conversion and send you complete information about the banking package to which your account will be converted.to text reference of footnote 2

Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. You will receive reimbursement from Citibank for ATM fees charged by other banks in any statement period where you are eligible for Citigold. This ATM reimbursement is only available in the Citigold Account Package and is limited to consumer accounts.to text reference of footnote 4

If the Citibank Global Transfer is made in foreign currency, the exchange rate includes a commission for the currency conversion. Citibank Global Transfers initiated from a U.S. savings or money market account are included in the six preauthorized or automatic transfers permitted each statement period. Transfer limits are subject to change based upon the security measures we use to protect your accounts. First time transfers are subject to lower limits. Customer must have a checking, savings or money market account to send a Wire Transfer. Wire Transfer is available only in participating locations. Local terms and conditions may apply. Daily and weekly transaction limits apply. Customer is responsible for complying with local laws and regulations.to text reference of footnote 5

Citibank will not charge you a foreign exchange fee for purchases or withdrawals when you use your Citibank banking card outside the U.S. and Puerto Rico.to text reference of footnote 6

Separate enrollment of eligible consumer checking account in Citi ThankYou® Rewards required. Eligible customers in The Citigold® Account Package, The Citi Priority Account Package, and The Citibank Account Package can enroll their checking accounts in ThankYou Rewards. Eligibility and participation are subject to terms, conditions and restrictions. Customer must be a citizen or resident alien of the United States (U.S.) with a valid US. taxpayer identification number. Taxes, if any, are customer's responsibility. You must complete 1 qualifying Bill Payment and 1 qualifying Direct Deposit each statement period in order to earn monthly ThankYou® Points for eligible products and services linked to your checking account. For complete details, see the Citi ThankYou® Rewards Terms and Conditions.to text reference of footnote 8

Standard account charges apply. Citibank does not charge you a fee for using the Citi Mobile®AppAPP. However, charges from your wireless carrier may apply.to text reference of footnote 9

Citigold Concierge is the name of the service provided by Aspire Lifestyles for Citigold clients on behalf of Citigroup Inc. Citigroup Inc. and Aspire Lifestyles are not affiliated companies.to text reference of footnote 12

Depending on your state of residency, some bonds may be exempt from state and local taxes; however, interest may be subject to the federal Alternative Minimum Tax.to text reference of footnote 13

Citibank does not charge you a fee for using the Citi Mobile Check Deposit Service. However, charges from your wireless carrier may apply. Regular account charges apply. The Mobile Check Deposit service is for personal checking accounts only and is subject to eligibility. Deposit limits and other restrictions apply.to text reference of footnote 14

The increased deposit limits are applicable to both the individual customer limit and the per account limit. Please refer to the User Agreement Terms & Conditions for the Mobile Check Deposit Service for a complete description of the applicable deposit limits for eligible accounts enrolled in the service and other important terms and restrictions. The increased deposit limits do not apply to customers with a Citibank deposit relationship for less than six (6) months or to customers with a deposit account, retirement account, loan or line of credit (excluding a credit card or first mortgage) on which they are either an owner or signer in any of the following banking packages: Citigold Private Client, Citigold International, Citi International Personal Banking, Citi Global Executive Preferred or Citi Global Executive.to text reference of footnote 15

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